Cheapest Health Insurance in Nevada: Affordable Plans for 2025

Aetna Health provides the cheapest overall health insurance in Nevada, with an average monthly premium of $391. Availability can vary, so consider Imperial Insurance, Hometown Health, and Ambetter from SilverSummit for additional affordable health plans.

*These plans reflect rates for 40-year-olds who aren't considered low-income.

While we've summarized the cheapest companies for most in Nevada, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:

• Cheapest For Young Adults: Health Plan of Nevada, Inc. ($380 monthly)
• Cheapest For Seniors: Health Plan of Nevada, Inc. ($806 monthly)
• Cheapest Bronze Plan: Health Plan of Nevada, Inc. ($321 monthly)
• Cheapest Silver Plan: Health Plan of Nevada, Inc. ($380 monthly)
• Cheapest Gold Plan: Imperial Insurance Companies, Inc. ($404 monthly)

While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.

While Aetna Health is the cheapest provider overall, Ambetter from SilverSummit offers competitive affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.

There are steps to finding affordable health insurance.

Aetna Health, Hometown Health, Imperial Insurance and Ambetter from SilverSummit are Nevada's most affordable health insurance companies. While we recommend these affordable options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.

Below are frequently asked questions about finding affordable health insurance in Nevada:

Nevada residents shopping for health insurance face a complex marketplace where the cheapest monthly premium doesn't always mean the lowest total cost once you factor in deductibles and out-of-pocket maximums. We built this analysis to show you which plans offer the lowest premiums while helping you understand the trade-offs between upfront costs and potential medical expenses.

We obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Nevada, analyzing costs for consumers aged 18, 26, 40, 50, and 60 to show how premiums change across different life stages.

We identified the cheapest overall plans as those with the lowest monthly premium costs for 40-year-olds, since most Nevada residents fall near this age demographic. This approach provides a consistent baseline for comparing plans across the marketplace and reflects typical rates for the state's median age group.

Cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you actually receive medical care. A plan with a $150 monthly premium but an $8,700 deductible could cost you more annually than a $300 monthly premium plan with a $2,000 deductible if you need surgery, ongoing treatment, or prescription medications.

Nevada's health insurance pricing varies dramatically by age, with older residents paying significantly more than younger consumers for identical coverage. By analyzing multiple age groups, we show you how premiums escalate as you age and help you plan for future costs. Our focus on 40-year-olds as the baseline reflects typical Nevada residents navigating the state's health insurance marketplace, whether through Nevada Health Link or employer-sponsored plans.

This approach prioritizes transparency about the real cost of health insurance, helping you balance affordable monthly premiums against the financial protection you'll need when you actually use your coverage for medical care in Nevada's healthcare system.